Early Intervention and Financial Advisors

The right solution is often a simple one.

If you believe that solving financial problems – or avoiding them – has to be a complicated and mysterious endeavor you could miss the best answer, which may mean the right advisor for your situation and life or business goals.

I believe that finding the right financial advisor early in life, early in a marriage, before starting a business, and early in the process of resolving conflict between family members is priceless.

Any time you are emotionally charged, under pressure to make big decisions, facing uncertainty or a major disappointment, you are served well to already have trust established with a solid, loyal and talented financial advisor.

Do I have recommendations? Of course I do!

My perspective comes, in part, from the study of hundreds of cases or situations presented to me through this website, and from experience in financial services where I worked directly with advisors and money managers across the United States.  Wisdom also comes from learning firsthand that not all financial advisors will give you all of the information or insight you need to make smart decisions.

During research of actual cases, I’ve noted how some financial experts make analyzing and planning more convoluted and expensive than the situation calls for, but emotionally charged parties aren’t in a position to recognize that value is lacking, or that key information is even being withheld. By the time someone realizes that they weren’t served well by the expert they were guided to use, it’s too late; the damage is done. Yes, I can show you what that looks like on paper and how it translates into bigger trouble in life. While I can help illustrate problems you want to avoid, the financial professionals I know and trust are the best at showing you what your best options are and then empowering you to act on them.

Early intervention is the way to go.

Make time before a crisis arises to interview and get to know advisors, and learn what value-added looks and feels like when working with a financial advisor. If you feel uncertain about a professional relationship and need to consult with someone else, let me know.

Coming soon: the next series of eye-opening interviews is under development, so please get in touch if you have suggestions for topics or would like to contribute as an expert or to simply tell a story that can help others reach better financial outcomes.

Above all, preserve your time and financial resources for the benefit of your family.

Our Wish is for Children to Be Cared for by Safe, Loving Parents

These simple wishes this holiday season remain our top priority:

family, charity, healthcare, health. christmas, x-mas and happy

Return children who have been removed from parents they love and need. Prevent children from being sent out of state and isolated for the purpose of silencing them.

Restore relationships between children and parents when they are separated for all the wrong reasons, and even cut off from all communication.

Protect children who are being abused, including emotionally abused when safe, loving parents are threatened with the loss of their children.

Protect the rights of parents asking court professionals to ensure they stay in the lives of their children. When the opportunity presents, help them recover from trauma and loss associated with these avoidable problems.

Show some courage and help grant them their wishes!

 

Financial Guidance During Divorce

Financial Guidance During Divorce Can Make All the Difference

While that statement seems obvious, the issue is where you obtain your advice and knowing whether your counsel actually has your best interests in mind, or not.

Financial counselors, like attorneys and child custody experts, are not all equal and a handful will actually stand by or participate in helping to misguide you during a very emotional and turbulent family conflict.

One trust source of information is nationally recognized author, speaker and advisor Jeff Landers.

We invite you to read his work, and let us know if you need help selecting a local expert to review your situation and to assist legal counsel during a divorce or other legal or financial matter.

Financial Uncertainty & Resentment Towards a Partner’s Financial Status is a Large Factor Contributing to the Divorce Rate

If there is a way to get the right counsel at the onset of conflict and disagreement, please do not hold back in trying to resolve the issues before hiring lawyers and filing for divorce.

You may find out there are options you did not know were available to you otherwise, and in many cases, it’s worth the investment and taking a chance.

Please contact us if you are seeking financial guidance and before deciding on a team of professionals if you are caught in conflict that may lead you into the legal system.

Founder’s Tip:

Just because many family law attorneys use certain forensic accounting firms that does not mean there is any value to be had in signing a contract, paying a retainer and hoping for the best in the end. Get informed from those who have gone before you in this process. 

The exterior of a Bankruptcy Court building

Data gathered by My Advocate Center shows that there is a way to manage through family conflict without being forced into bankruptcy. Understanding fiduciary duty is a good first step.

Pro Advocate Radio: A Father’s Mission

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First Amendment Rights Protected

Pro Advocate Radio is needed as a Voice for Families, Children and for Professionals Committed to Resolving Conflict in ways that Serve the Needs of Children.

For bloggers, citizen journalists advocacy groups, etc.

http://www.usatoday.com/story/tech/2014/01/20/defamation-bloggers-supreme-court/4658295/

GRANTS PASS, Ore. (AP) — A federal appeals court ruled Friday that bloggers and the public have the same First Amendment protections as journalists when sued for defamation: If the issue is of public concern, plaintiffs have to prove negligence to win damages.

The 9th U.S. Circuit Court of Appeals ordered a new trial in a defamation lawsuit brought by an Oregon bankruptcy trustee against a Montana blogger who wrote online that the court-appointed trustee criminally mishandled a bankruptcy case.

The appeals court ruled that the trustee was not a public figure, which could have invoked an even higher standard of showing the writer acted with malice, but the issue was of public concern, so the negligence standard applied.

Gregg Leslie of the Reporters Committee for the Freedom of the Press said the ruling affirms what many have long argued: Standards set by a 1974 U.S. Supreme Courtruling, Gertz v. Robert Welch Inc., apply to everyone, not just journalists.

“It’s not a special right to the news media,” he said. “So it’s a good thing for bloggers and citizen journalists and others.”

Crystal L. Cox, a blogger from Eureka, Mont., now living in Port Townshend, Wash., was sued for defamation by Bend attorney Kevin Padrick and his company, Obsidian Finance Group LLC, after she made posts on several websites she created accusing them of fraud, corruption, money-laundering and other illegal activities. The appeals court noted Padrick and Obsidian were hired by Summit Accommodators to advise them before filing for bankruptcy, and that the U.S. Bankruptcy Court later appointed Padrick trustee in the Chapter 11 case. The court added that Summit had defrauded investors in its real estate operations through a Ponzi scheme.

A jury in 2011 had awarded Padrick and Obsidian $2.5 million.

“Because Cox’s blog post addressed a matter of public concern, even assuming that Gertz is limited to such speech, the district court should have instructed the jury that it could not find Cox liable for defamation unless it found that she acted negligently,” judge Andrew D. Hurwitz wrote. “We hold that liability for a defamatory blog post involving a matter of public concern cannot be imposed without proof of fault and actual damages.”

The appeals court upheld rulings by the District Court that other posts by Cox were constitutionally protected opinion.

Though Cox acted as her own attorney, UCLA law professor Eugene Volokh, who had written an article on the issue, learned of her case and offered to represent her in an appeal. Volokh said such cases usually end up settled without trial, and it was rare for one to reach the federal appeals court level.

“It makes clear that bloggers have the same First Amendment rights as professional journalists,” he said. “There had been similar precedents before concerning advocacy groups, other writers and book authors. This follows a fairly well established chain of precedents. I believe it is the first federal appeals court level ruling that applies to bloggers.”

An attorney for Padrick said in an email that while they were disappointed in the ruling, they noted the court found “there was no dispute that the statements were false and defamatory.”

“Ms. Cox’s false and defamatory statements have caused substantial damage to our clients, and we are evaluating our options with respect to the court’s decision,” wrote Steven M. Wilker.

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Forbes on Bankruptcy After Divorce

“Some people are pushed into bankruptcy by their former spouse. Let’s say they owned a house together but they either don’t want to sell it (because they want the children to keep living there) or they can’t sell it because it’s upside down. One of them agrees to pay the mortgage; it might be the spouse who lives there, or it might be the ex who is supporting him or her. But the mortgage doesn’t get paid. Maybe that spouse eventually files for bankruptcy, and the other one ends up having to file in order to keep the house and catch up on payments, or to discharge their responsibility for the remaining loan.”

What this Forbes article does not spell out is that professional misconduct plays a large role in ensuring that at least one of the parties doesn’t make it – meaning they are not able to maintain stability, to prosper, and to give the best they have to their children. Their best has been undermined and taken away. Many mothers and fathers are filing bankruptcy following divorce and child custody cases, but we believe much of this loss could be avoided.

Avoid BankruptcyWhen you review billing records and communications with child custody experts and between attorneys, you can see that, unfortunately, this is intentional in some cases. It is these cases we refer to when we ask authorities to review cases.

Forbes contributor Emma Johnson makes a sound argument here for paying attention to your credit score and working to protect yourself, but make sure you’re aware of the diligence needed in selecting professionals who will not aim for breaking the bank – your bank – in your family law or child custody case.

Financial matters are a key focus for our professionals belonging to our Resource Directory and for those featured on Pro Advocate Radio.

 

Check out ProAdvocateRadio.com to learn more from one of our financial advisors, Wendy Hayes. Wendy is a Certified Divorce Financial Analyst and is committed to helping families reset priorities so that their financial resources and time are preserved for themselves and for their children. Listen here to Wendy’s sound counsel.

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